They'll leave the middle class ... on the way down.

With a household size of 5 and 65k income they are not middle class now... delusional at best

Why did she get a degree if she chose to be stay at home mom makes no sense

@@isay207 probably just wanted to fish where the fish were

This show will never say the most obvious truth that "families cost money so take that into account because if you will need to stay at home it's a salary lost and more kids to care for, bigger house, etc..."

@@JustinCase780If they had to pay for child care for four children, it would probably be a salary lost anyway unless they received assistance.

Exactly. If she was working the same job as him (they have the same degrees) and had no kids yet, they’d be bringing in $130,000 a year and being able to save up a ton of money each year. They chose something else instead.

In sticksville Oklahoma it might be 😅

65k a year of course they are stuck with 4 fkkkking kids

@@Ja50nkAt it’s not

@@reese85 no it’s above

@@dbtest117 it’s not for a family of 4 the median household income is $61k, there a family of 6

I was wondering if this was some independent contractor job because I’ve never heard of an employee being required to buy a truck. If he’s self employed, he could probably deduct that as a work expense

Yeah, they can eat a di** on that🤣. $65k a year, I am not driving my own vehicle.

Especially with the interest rate for vehicles now. Unless they bought the vehicle during 2020 or 2021.

@@AngelaMastrodonatoSounds like an independent contractor job to me.

It takes 1/5 of his salary to pay for this truck. Insane. Every fifth year he works is *for free*. wild. Totally wild.

There not middle class

welcome to trad con women

They are middle class. It's NE Oklahoma. His salary is really above average for that area.

@@meanpie13 for a family of 6, doubt it

@@reese85 Why doubt when you can research it yourself? This man makes 3x the median income in an area where he can get a 4 bed 2 bath house for 170k.

I don't get it either. It's slightly hard to have sympathy for them. They sure wasn't thinking about this when they were procreating. This is more of a you made your bed kind of thing.

I don't even ask anymore. All it takes is simple math.

Seriously!

It’s a choice I guess , but don’t go around whining about not being ‘upper’ class in that case.

Bc income doesn’t determine family. The issue is not kids, it’s income/expenses

Or pay him a vehicle allowance of several hundred dollars a month so he can pay for the truck.

If you're not doubling my salary or providing me with a company vehicle, then go eff yourself. What a stupid company...

😅

You can't reason with a requirement!

Need to find another job, terrible requirement Trucks can last Wayyy longer than 5 years

I seriously doubt those truck terms. It doesn’t make sense. He must be getting an allowance for a vehicle. On mileage, they can’t require anything.

A buddy of mine works a job w this requirement as well. The company he works for offered a monthly reimbursement of x amount for the truck payment. For what it’s worth, the job pay doesn’t justify the truck, but my friend justifies his hourly pay because of the truck payment reimbursement 😂

There not even middle class cuz she doesn’t work with 4 kids

What's wrong with staying in the middle class!?

Yeah but those refund checks once a year will put a smile on their face for a brief moment.

They're lower class. A borderline country song.

@@robloxvids2233 how's your high horse feel?

I’m skeptical he’s an employee and not an independent contractor.

My company required car for emergency call-out + home within 15 miles

Yea… it definitely sounds a little weird. If a company asks me to purchase a car because the one I have is not good enough that is most definitely a job Im not taking

@@KFontLab A 40% pension and free lifetime family healthcare at 20 years of service. It allows you to retire at 40 and raise children. Two SAH parents is the best.

It is the Motus requirements for tax purposes. They pay you a tax free monthly check plus pay you like $.20 per mile. It also requires certain insurance requirements as well. You need to put on at least 5,000 miles for work per year so the monthly check is tax free. the more you drive the more your monthly check is. I know it is dumb but that is most likely what he is doing. What I did once my truck was pas the 5 year mark I put down that i was driving my wife's SUV but really I was still driving my truck.

@@ehderguyyashootadeerorno2313 I was comparing her saying "brand new" to something that is 5 years old. He's getting $.70/mile. Not 20

It sounds like it is 3 years old now. Did they buy it 3 years ago brand new? If so, SMH

Notice how Dave DIDNT recommend that? Childcare for 4 kids probably costs more than she can make.

@@charisginn6932 He mentioned right at the end of the clip that she should look for something she can do at home to contribute financially.

That's the problem with society, both parents work and everyone, BUT them is raising their kids. This lady needs to recognize the opportunity she has to raise her own damn kids. Maybe they won't turn out quite as screwed up as most other kids out there. They just need to learn to live BELOW their means and not be reaching for the stars.

@@lonewolfsurvival3453 this exactly, Raising your kids your self is the best gift you can give them. once they are all in school pick up a part time job. and once they are out of daycare age(12+) go full time.

@@lonewolfsurvival3453 they’re poor. Once the kids get of age they’ll be funneled into public schools, so she still won’t be raising her kids. Unless she chooses to home school.

Truth

She stays home, they are not paying childcare. He is probably paying over 1k in the stupid truck. That’s a problem

Yes... And I'll stay home, not work and keep having babies. That's really smart lady

Why did this man put himself in this situation? You're not making the man accountable for HIS doing

Say that to any pregnant women with three other kids I dare you

😂🤣

He wanted the wife and 4 kids. He’s no innocent victim here. He should have stayed single and then no worries except for himself

Agreed, but this degree in particular is applicable to this man’s career

Not as useless at a new truck every 5 years, I'd quit that company

Degrees being useless is a bit of a stretch. My degree was not and is never a waste. AND I wouldnt have been able to get into the field I wanted to if I didnt have it 😂. It’s okay if a person decides to go a different route because college isn’t for everyone (I’m actually an advocate for it) but it’s never useless to get a degree because their are so many affordable ways to do it. The degree has nothing to do with why they are where they are in this particular situation.

@@MrJimmy3459😂

I think people should at least have a two year degree.

I’m middle class and prefer being around and living around middle class people.

Really?!

I’m sorry ur content with being poor

@@MooMoo69556 not feeling poor at all 🎉

This is a short sighted answer. The economy and civilization only continues if we have kids. You having any hope of collecting SS relies entirely on people having kids. The issue is over spending on wants not necessities.

@@dbearden3232 If you can't afford them then don't have them Common Sense 101 65k a year is not enough for a family of six in this day and age

​@@dbearden3232Your answer is partly true, but also partly wrong. If a family can't support their kids, guess who has to: the American taxpayer. So the rest of our incomes our being taxed heavily to support someone else's wants. If it were up to me, their would be no taxpayer support for children. If you want a house full of kids, great. But unless I'm raising them or feel led to give money to them through charity, my tax dollars shouldn't go to people who can't support them.

@@RebelPaladin1 I will never argue against lowering taxes. But I would argue it's actually thr other direction. Our current high taxation is one of the reasons people stop having kids, not why they have more. If the other third of their income was unlocked they'd be better able to pay for their own.

@@dbearden3232 I'm in full agreement with you there. If individual/family income tax were drastically lowered we would all have more to be able to put toward the necessities of life! People don't seem to understand that middle class people are often worse off than low-income individuals do to not getting any subsidies from the government. Personally, I wish Social Security would be privatized or at least people should have a say in how the social security taken out of their checks should be invested as well.

Too late. Four kids.

She has four kids. If they aren’t school age then I say stay at home. It’s usually not worth it financially or responsibility wise unless she has a relative who can watch them. Stop having babies and wait until at least three of them are in grade school to go back to work.

Your mentality is why our country is where it is right now! The Bible says a child left to himself bringeth his mother to shame. Our country is a shame to keep pushing kids into public school and daycare away from their mothers and fathers!

@@daniellineberry8879 so she should continue to accumulate debt and live in poverty. If she wanted to be a stay at home mom she should have not had so many f kids.

@cynthiasalcido8661 Just because kids make you miserable does not mean it makes her and her husband! She called for some advice, but I guess you never needed any. Instead of looking at positive that, her and her husband are together trying to make it, I guess in your eyes she should leave him and get on the system! Far too many are looking down their self righteous nose at her for asking for advice, not a hand out like half this country.

Then don’t.

Exactly

ND keep having kids

Not what she said.

she said "our"

​@@imspace349.... ? ?

HIS kids too they didn't just appear out of nowhere

How long ago was that? Can’t compare to back then to now

@@reese85I know MANY families right now who do it with multiple children

@@kay22100 never said ppl don’t do it now, I was referring to him saying “they’re multi wealthiest” but I kno ppl who struggle and raise kids on one income as well

@@kay22100 never said ppl don’t do it now, I was referring to him saying “they’re multi wealthiest” but I kno ppl who struggle and raise kids on one income as well

Actually it's not planning instead of reproducing.

Well she's talking with someone about coming up with solutions

​@@JustinCase780exactly my thing is that the couple needs to stop having kids!

She’s pregnant with 3 other children. That’s her work. Her husband needs to worry about the finances

@@kay22100 Exactly 💯. These men...🤦🏾‍♀️

I'm retired on $100K/yr pension, I deserve a new car.

I'll buy new when I'm dead. Such a waste of money

You mean why do MEN always think they need a new car Especially when they have several kids to support

@@ykook7000 women do this as well, have you not seen how many people have car payments?!

@@ykook7000I see 20 and 30 something women driving $70,000 SUVs and Trucks way more than I see guys

Agree! It's all perspective ❤

Because middle class is shrinking every day. Before you know it, you’ll be in poverty.

@@Futurebelongs you do realize the classification will adjust with inflation?

@@raymond_sycamorewell what good is it being middle class if you can’t afford anything. Classification change still doesn’t negate the fact that the middle class is pretty much broke. Always aspire to be better than average.

@@Futurebelongs you honestly think following Dave Ramseys evangelical guide to healthy living is going to make you "not middle class?"

It is the Motus requirements for tax purposes. They pay you a tax free monthly check plus pay you like $.20 per mile. It also requires certain insurance requirements as well. You need to put on at least 5,000 miles for work per year so the monthly check is tax free. the more you drive the more your monthly check is. I know it is dumb but that is most likely what he is doing. What I did once my truck was pas the 5 year mark I put down that i was driving my wife's SUV but really I was still driving my truck.

SAY IT LOUDER for those rabbits breeding in the back

BS They need to make more money, that is all. Having kids is actually a motivator for me. I am better off than all of the childless in my generation because I have to take it seriously, they didnt.

THIS 💯

Children are just much more expensive nowadays. In the past it was enough to put some food in them, put some hand-me-down clothes on them, let them play outside and they were good. Nowadays that's considered neglect. They need so much more (according to society), and everything costs money. You'll definitely notice the financial difference between 3 and 4 kids. Like this woman says, they need to buy a bigger car, etc. In the past you didn't notice it as much, and you definitely did not buy a bigger car because of an extra child. That means nowadays you have to think extra hard whether you can afford an extra child. And it's totally fine if you don't care about 'moving up' and just want a large family, but in this case these people just can't have both.

"Work" trucks are really hard to find right now though. The big automakers don't want to sell cheap basic trucks if people will keep buying expensive ones. For example, the new Ram 1500 is not available in a single cab - you have to get the Ram "classic" (the older 4th generation design) to get a single/standard cab. Basic work trucks get snatched up as soon as they hit the lots, if they're available at all.

@@noahorr3480 I know I said work truck but it can be a basic trim package to save money. There is not point of buying a high end $75k truck (or whatever) for work just to put high miles on it. My guess is he needs a 4 door with his family so like a Silverado Custom, or F-150 STX would be a good option. Or if he can maybe a Colorado, Tacoma, or Ranger which are less than a full size truck. It's a lot cooler to be able to pay your bills each month and sleep at night than have a high end truck you cant afford.

@@ehderguyyashootadeerorno2313 I hear you. I think that a lot of people out there should have put way more thought into their car purchases, given the cost and how important driving/gas/insurance/reliability/safety is to most people. I'm a car guy so I like car shopping. But the other side of the story is that it's really hard to do right now. My Dad spent months searching for a basic trim Silverado. Tacomas are very expensive to buy used. Ordering is a complicated process and in some cases the wait time is 6 to 12 months, most people can't or won't wait that long. What's on the dealer lots are the big, expensive trucks. If you want something cheap, you gotta be willing to call dealerships and spend time shopping in person. A lot of people feel they don't have time for that. 😕

Right lol

Ag - agriculture

This lady clearly doesn't understand the details of this truck thing. I've honestly never heard of such a requirement for a standard W2 employee. Maybe if it is some sort of contractor situation. She's either willfully ignorant or the husband lied to her to justify the truck. On the taxes, it depends. If he is only compensated for the mileage, he might be able to depreciate the cost of a truck as an uncompensated business expense, but that would depend on the details of this deal/requirement, which as I mentioned, I doubt she has straight.

She didn’t make those babies by herself 😘

That truck is the equivalent of getting a useless degree and then working at subway. The math just doesn't work out. The payments on a truck for that much money is like 20% of his take home pay. It's hard to get ahead in life when you can't do simple math.

yeah. both her and Dave are silly here

It is the Motus requirements for tax purposes. They pay you a tax free monthly check plus pay you like $.20 per mile. It also requires certain insurance requirements as well. You need to put on at least 5,000 miles for work per year so the monthly check is tax free. the more you drive the more your monthly check is. I know it is dumb but that is most likely what he is doing. What I did once my truck was pas the 5 year mark I put down that i was driving my wife's SUV but really I was still driving my truck. He should have bought a work truck package and not an expensive truck. Depending on how much he drives his motus check may cover the truck payment.

At my last job we had a program called Motus. It is a program some companies sign up for to give their people who travel. The way it works is Motus sends you a tax free monthly check (let's call it $400 per month) plus you get like 20 cents per mile you drive. The requirements to be on it is that your vehicle has to be less than 5 years old, and you have to have a higher insurance package through your auto insurance. You also have to put on a minimum of 5,000 miles per year. If you do not abide by that, your check is taxed or they will kick you out of the program. The nice thing about this program is if you set it up right, the monthly check covers your vehicle payment and the .20 cents per mile covers the gas on the trip. When my truck hit the 6 year mark I put down that i was driving my wife's SUV for work but still drove my truck. Before I was on the motus plan I was given $300 per check (taxed ($650 per month)) plus i could use the company credit card for gas. Now i'm on a mileage reimbursement where i get like .70 cents per mile.

Did you hear the part about them paying 70 cents a mile (untaxed)? A late-model truck shouldn't have many costs besides gas, oil changes, and tires. For every 1000 miles he'll have around $500 to put towards maint and loan payment. If commuting to a job you still need to buy a reliable vehicle and pay all operating costs with post-tax dollars (although with a football team worth of deductions , their tax bill should be nil).

At my last job we had a program called Motus. It is a program some companies sign up for to give their people who travel. The way it works is Motus sends you a tax free monthly check (let's call it $400 per month) plus you get like 20 cents per mile you drive. The requirements to be on it is that your vehicle has to be less than 5 years old, and you have to have a higher insurance package through your auto insurance. You also have to put on a minimum of 5,000 miles per year. If you do not abide by that, your check is taxed or they will kick you out of the program. The nice thing about this program is if you set it up right, the monthly check covers your vehicle payment and the .20 cents per mile covers the gas on the trip. When my truck hit the 6 year mark I put down that i was driving my wife's SUV for work but still drove my truck. Before I was on the motus plan I was given $300 per check (taxed ($650 per month)) plus i could use the company credit card for gas. Now i'm on a mileage reimbursement where i get like .70 cents per mile.

Children are not a detriment. If anything they are an investment

The odds of them becoming wealthy on a 65k yr salary is slim to none with or without kids but I disagree. I think it’s better to have kids back to back vs having the ages spread out but the moms gotta find away to bring some into the house tho

it doesn't sound like this is the case for him but there are some companies out there like this: At my last job we had a program called Motus. It is a program some companies sign up for to give their people who travel. The way it works is Motus sends you a tax free monthly check (let's call it $400 per month) plus you get like 20 cents per mile you drive. The requirements to be on it is that your vehicle has to be less than 5 years old, and you have to have a higher insurance package through your auto insurance. You also have to put on a minimum of 5,000 miles per year. If you do not abide by that, your check is taxed or they will kick you out of the program. The nice thing about this program is if you set it up right, the monthly check covers your vehicle payment and the .20 cents per mile covers the gas on the trip. When my truck hit the 6 year mark I put down that i was driving my wife's SUV for work but still drove my truck. Before I was on the motus plan I was given $300 per check (taxed ($650 per month)) plus i could use the company credit card for gas. Now i'm on a mileage reimbursement where i get like .70 cents per mile.

That's unnecessary. Just stop having sex. Sex is for idiots.

I’ve worked in daycares for 5 years. The discount for teacher kids is like 15%-20%. The cost of childcare for 4 kids would easily be $1200 or more a month.

@dog7881 really? I get like a 90% discount at mine for my two. And another mom has 3 kids and also gets the same discount. Like I said, it depends on the daycare, some states have grants and programs that daycare can apply for that help offer discounts for employee children. So for my two I pay like $30/wk. Vs $300/wk. Like I said, do the research. Not all daycare are the same.

@@patriciareed559 90% is crazy